Hyper retail outlets sell goods on terms of net 40. the store's average monthly sales (all on credit) are $70,000. hyper pledges all of its receivables to the bank, which advances 80% of the face value of the receivables at a rate of 2.5% above prime. the bank also charges a 1% processing fee on all receivables pledged. hyper borrows the full amount possible, and the current prime rate is 5%. what is the annual percentage rate (apr) of using this source of financing for one full year? a. 23.5% b. 22.5% c. 21.8% d. 19.1%

cognitive overload: having a lot on your mind impairs decision-making and tends to result in the simplest, but not necessarily best, option being selected.

empathy gaps: overlooking how you might feel in a different situation can result in unnecessary purchases, such as overbuying when shopping for food on an empty stomach.

optimism and overconfidence: wearing rose-tinted glasses and having unrealistic expectations about the future can affect money management and leave you unprepared for a change in circumstance.

instant gratification: seeking instant gratification drives impulsive spending and can undermine long-term planning and savings.

harmful habits: automatic or mindless behaviour can amplify a poor financial decision as it becomes a recurring event.

social norms: we are heavily influenced by the actions of others; while this can be in certain circumstances, it also contributes to the pressure to keep up with the joneses through conspicuous consumption.

an important city to the south and the region's capital is c. kiev

answer; blank(1); autonomous; blank(2) a wlan controller-based architecture;

it established new limitations on use and disclosure for marketing purposes, prohibited selling medical information, expanded individuals’ rights to accessing their own information, and to obtain restrictions from certain disclosures of protected heath information to health plans.